Langston v. Gateway First Bank

IMPORTANT INFORMATION: THE DEADLINE FOR REQUESTING AWARD CHECK REISSUES HAS PASSED.

If you paid Gateway Mortgage Group or Gateway First Bank a fee to make a residential loan payment by telephone or the internet between June 8, 2016, and April 25, 2022, a proposed class action settlement may affect your rights.

The Settlement affects the rights of borrowers on a residential mortgage loan on properties in the United States whose loans were serviced by Gateway Mortgage Group or Gateway First Bank (“Gateway”) and who paid a fee to Gateway for making a loan payment by telephone or the internet between June 8, 2016 and April 25, 2022. The Class Action alleges that Gateway charged borrowers fees to make residential loan payments online or over the phone, including through the telephonic automated “IVR” (interactive voice response) system, and that these fees (referred to as “Convenience Fees”) violated the Rosenthal Fair Debt Collection Practices Act (“Rosenthal Act”), Cal. Civ. Code § 1788, et seq., the California Unfair Competition Law (“UCL”), Cal. Bus. & Prof. Code § 17200, and breached the borrowers’ Deed of Trust.

Your Legal Rights and Options in This Lawsuit

Do Nothing:	If you wish to receive money from the Settlement, you need not do anything.
Exclude Yourself: August 8, 2022	You may ask to be excluded from the Settlement. If you do so, you will receive no money from the Settlement, but you retain your rights to sue Gateway on your own. To do so, you must send a letter requesting exclusion postmarked no later than August 8, 2022.
Object to the Settlement: August 8, 2022	You may object to the Settlement if you do not exclude yourself. If you do so, you must file a written objection postmarked no later than August 8, 2022.
Participate in a Hearing:	You may appear in court and be heard at the time of the Final Approval Hearing. If you submit a timely objection to the Settlement, you must also indicate in the objection that you wish to appear in court and be heard at the time of the Final Approval Hearing. If you do not submit a valid, timely objection to the Settlement, you will be deemed to have waived your right to object to the Settlement.

Langston v Gateway First Bank